Preferred Warranties Inc

Preferred
Warranties Inc(PWI) has been in contact with *** *** about working together
to find a resolutionIf *** *** has any questions, he can contact our
Claims Manager at ###-###-####

Preferred Warranties, Inc
(PWI) would like to respond to *** ***
***’s complaint # *** on 08/04/
On 05/02/14, *** ***
called in a claim to PWI***’s diagnosis was the seal in the radiator was
leaking coolant; also a problem with the transmissionThe
Powertrain Vehicle Service Contract (VSC) that *** *** purchased is parts -
specific; therefore parts not listed under the Powertrain coverage are not
covered itemsThe radiator seal is not a listed item for coverage, but the
transmission is covered
Please
refer to the contract for Powertrain Coverage:
When POWERTRAIN Coverage is selected on the front of
this Agreement, only the parts listed in 1-are coveredParts not listed are
not covered
ENGINE - All internal lubricated parts, including pistons, piston rings,
crankshaft and main bearings, connecting rods and rod bearings, camshaft and
cam bearings, push rods, rocker arms, timing belt and gears or chain, valves,
valve springs, valve push rods, lifters and oil pumpThe engine block and
cylinder heads are covered only if damaged by the failure of a covered internal
lubricated part
TRANSMISSION - All internal lubricated parts in transmission case, torque
converter, bell housingThe transmission case is covered only if damaged by
the failure of an internal lubricated part
DIFFERENTIAL - All internal lubricated parts in the differential housing,
differential coverThe differential housing is covered only if damaged by the
failure of an internal lubricated partAll internal lubricated components in
transfer caseTransfer case is covered only if damaged by the failure of an
internal lubricated part
SEALS & GASKETS - Cylinder head gasket and intake manifold gasket when leaking
internallyAll other seals and gaskets are covered only if required in
conjunction with a covered repair
PWI authorized
$2,for the transmission claim which included the cost of a recycled
transmission, labor, covered diagnostic time, and fluid and filters necessary
to complete the repair. PWI uses
components of the same type and quality as those removed when making repairs
Please refer to the
contract:
WHAT IS COVERED BY THIS AGREEMENT
This
Agreement is not an insurance policy and, to be valid, must be purchased at the
same time as the vehicle covered by this AgreementExcept as explained below,
Administrator agrees to replace or repair parts listed in the Coverage
described below if those parts are worn beyond serviceable limitsWhen making
repairs, the repair center authorized by PWI will use components of the same
type and quality as those removed, which may include rebuilt, remanufactured,
recycled or nonoriginal manufacturers’ parts at the sole discretion of PWIThe
coverage you selected is shown on the front of this AgreementCoverage applies
only to the parts listed under the coverage YOU selected, and to related labor
The labor required to repair or replace all parts covered under this
Agreement will be paid at the industry accepted flat rate as indicated in a
current edition of Mitchell or AllData labor guides, multiplied by the fair
market hourly labor rate
On
06/03/14, *** *** called in another claim, this time on the vehicle’s engine
PWI sent an independent inspector to *** where the vehicle was towedThe inspection
report determined failure of the cylinder headsThe cause of failure was long
term prior engine overheat causing damage to the engineUnfortunately, the VSC
does not cover overheating
Please
refer to the VSC:
THIS
SERVICE CONTRACT DOES NOT COVER
#Benefits for any breakdown caused
by contamination, overheating, lack
of coolant or lubricants, lack of oil viscosity, sludge or restricted oil flow
Examples include but not limited to: engine and transmission
We are
sorry we are unable to help *** *** at this time and we hope this
satisfactorily explains our obligations

In response to *** ***’s complaint regarding the Vehicle Service Contract, Preferred Warranties Inc(PWI) sent their portion of the refund to the selling dealer, *** *** *** Ltd, on 10/13/Our procedure is refunding the portion of the contract to the selling dealer and in
turn, the selling dealer refunds the customerWe suggest *** *** return to *** *** *** Ltd for the refund checkIn addition, since PWI sent the refund check, *** ***’s contract is now null and void and he no longer has a contract with PWI

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: ***I am rejecting this response because: The used automotive dealership has been gracious enough to help me repair my vehicle, AT MY COST, because they feel bad that I have been screwed by Preferred Warranty. This should not even be the case because per the obligations set forth in my contract with Preferred Warranties, they are responsible to repair my vehicle. Preferred Warranties has denied my claim because according to them they do not cover repairs due to pre-existing long term wear and tear. However, per the State-specific amendments to the contract, within the state of Georgia where the contract was purchased, they are only allowed to not cover long-term wear and tear failures IF they can demonstrate that I knew of the pre-existing damage or it was reasonable that I should have known about the pre-existing damage. Since the vehicle was looked at by two different mechanics and driven by myself, my wife, the dealers service manager and two different sales agents all prior to my purchasing the vehicle and not one of them identified any noises/rattles/shuttering/etccoming from the vehicles drive train, it is unreasonable to try and state that I had any reasonable knowledge of pre-existing damage within my transfer case
Preferred Warranty is in breach of their contractual obligations to me because they are unable to identify when the noises/shaking in my car were severe enough to be identified and I have multiple witnesses that can attest that none of the noticeable conditions that brought me to identifying that there was an issue were present at the time that I purchased the vehicle. It was not until after I owned the car for a couple weeks and had driven it for a few hundred miles that the outward symptoms of a failing transfer case were noticeable upon operating the vehicle
I am paying out of pocket upwards of $to repair the transfer case, using the used dealers service center to perform the repairs because they were gracious enough to discount the labor spent tracking down the issues over the past MONTH that I have been dealing with this claim through Preferred Warranties. If Preferred Warranties still refuses to adhere to the contract that THEY wrote, and I signed when I purchased the contract, I have no other option but to take them to magistrate court here in Georgia and recoup my damages that way. I will contact their legal representative one final time to try and resolve this issue otherwise they leave me with no other option but to sue through magistrate court.Regards,*** ***

Preferred Warranties, Inc(PWI) is in receipt of *** ***’ complaint #*** regarding the *** *** SLT-purchased from ** ***Please know that *** ***' claim has not been denied coverageVerification of failure is needed to make a proper diagnosis and a proper repair in order
to correct the vehicle’s problemTherefore, the part needs to be worn beyond serviceable limits and listed for coverage for PWI to cover a listed componentPWI will pay for listed components under the Powertrain coverage *** ***’ purchasedThe diagnosis is determined by teardown authorized by the owner of the vehicleIf the diagnosis is a covered part, the teardown is covered under the terms of the contractPlease note if the failure is due to items such as overheat, run low, contamination or intermix, they will not be covered under the contractHowever, if the repair is not covered under the VSC, the teardown charges are the customer’s responsibilityPlease refer to paragraph two on page five under ‘Claim Processing’We understand *** ***’ hesitation for further teardown but PWI needs to know the root cause of problem in order to correctly diagnose the issue. PWI cannot proceed further with this claim unless authorization is given by the customer for further teardownOnce authorization for teardown is given, PWI will send a 3rd party inspector to inspect the vehicleWe appreciate your consideration, and hope this explains PWI's position

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:PWI is correct in pointing out this fine print, but PWI specifically told me to go get the diagnosis and that they would pay for it over the phone
Regards,
*** ***

Preferred Warranties, Inc(PWI) would like to respond to *** ***’ complaint # *** on 04/19/ PWI has been in contact with the selling dealer and are working together to resolve the issue If *** *** has any questions, he may contact our office at ###-###-####

Complaint: ***
I am rejecting this response because:
Yet again, me as the customer who gave this horrible company $2,is at fault according to their responsesI never rejected having work done I got it documented that it needs to be done and needed time to save up my cost of the deductibleI have a paper trail since that shows the work that needed to be done and the last date was on 2-26-before the contract ended on 2-28-This company is disputing that they didn't receive the latest service invoice until 3-2-15, which is not true because it was written up by the service advisor and faxed to this company on 2-26-(service invoice attached)After the dealership and I calling this company and complaining numerous times they all of a sudden said they would grant me a day extension to ONLY fix the broken door latch but nothing elseI am dissatisfied because I trusted this company when I paid them $2,and all I got out of this was a fixed door latch and numerous migraines from dealing with themI highly advise this company to put on their catalogue that they show their potential customers that this is a "parts specific" warranty and doesn't cover all electric work like they originally sold me onYes a single mother at a dealership filled with men all praised this warranty company and convinced me to spend an extra $2,for this coverage and now in the end I am out $2,and have a huge car bill of work that needs to be doneAlthough I did my part and had the write up of work dated and sent to the before the contract ended on 2-28-This is just another one of those greedy money motivated warranty companies that is only in business to make money and NOT to help their hard working customers that actually fund their businessI hope they enjoy spending my $2,as I have to work extra long shifts now to pay for this myself
Regards,
*** ***

Preferred Warranties Inc(PWI) would like to respond to *** ***’s rejection to our response
The Claim notes show that on 12/7/15, *** *** was given the following options: PWI pay for a used transmission or upgrade repair and apply the amount of the used transmission, $1,towards a remanufactured transmissionOn 12/8/15, *** *** gave PWI permission to order the used transmissionAfter speaking with *** ***, on 12/8/15, PWI ordered the used transmission
On 12/15/15, *** from * *** *** called and stated that the transmission needed upper and lower body gaskets and seals and that the case connector was brokenPWI sent payment to * *** *** for full repair of the used transmission
As of 12/26/15, *** ***’s contract has expired by date

We are responding to the complaint filed by [redacted]
regarding his Vehicle Service Contract
"margin: 0in 0in 0pt;">
We received a call on May from [redacted] at [redacted]
indicating that **[redacted] was there with a problem with the navigation system
and also an engine malfunction light and service engine soon light on.
Specifically, [redacted] told us that there was an oil leak that was causing the
vehicle to burn oil. We told [redacted] that the parts he mentioned as needing
replacement (navigation system, valve cover gaskets, timing gaskets and valve
guide seals) are not listed items that would be covered under **[redacted]'
contract. **[redacted] called back later that day and we gave him the
same answer
**[redacted]' "Plus" contract covers the items listed in
Sections 1-of the Contract. Unfortunately, the items which
are in need of repair or replacement are not listed in these sections
Valve seals are specifically excluded by Section of the Contract
Seals and Gaskets are not covered by the Contract unless they
need to be replaced in connection with the replacement of a covered part.
Thus, if the valve covers were bad, we would replace them and the associated
gaskets
It is possible that following a proper diagnosis there would
be parts of **[redacted]' vehicle that would be covered by the contract.
For example, if the shop were to remove the cylinder heads and
we were able to verify that the valve guides, or the valve covers, were worn
out, those would be covered by the contract.
If in the
process of repairing the non-covered items, [redacted] finds a failure of any
other items, they should contact us immediately and if they are listed items on
**[redacted] contract, we will happily cover them in accordance to the terms of
his vehicle service contractHowever, if the problem is not related to the
failure of a covered part, we would not cover the diagnosis and tear-down
costs. Please see section of the Contract
In sum, this is a Contract issue. We will gladly
uphold our end of the Contract to the extent that necessary repairs are covered
by the Contract. **[redacted]' complaint seeks either payment of the
claim or refund of the contract. In this case, while it does not
initially appear that the parts in question would be covered, it is possible
that a tear-down would reveal that coverage applies. We will uphold our
end of the Contract for the remainder of the Contract life. Under the
circumstances, we do not believe a refund is appropriate.
Respectfully,
Preferred Warranties, Inc

Good morning [redacted],
" margin: 0in 0in 0.0001pt">In response to Mr[redacted]'s complaint # [redacted], regarding his Vehicle Service Contract, Preferred Warranties Inchas contacted the selling dealer, [redacted] Group Inc It is our understanding that [redacted] is assisting Mr[redacted] with repairs to his vehicleIf Mr[redacted] has any questions, he can contact our Claims Manager at ###-###-####
Regards,
Kimberly K[redacted]
Executive Legal Assistant
Preferred Warranties, IncDirect Line: ###-###-####
Direct Fax: ###-###-####

We are responding to the complaint filed by [redacted] regarding her Vehicle Service Contract (VSC)
"margin: 0in 0in 0pt;">
**[redacted] is requesting a prorated refund on her Vehicle
Service ContractUnfortunately after days from the purchase date, the VSC
is nonrefundable
Please see section under refunds
REFUNDS
This Agreement may be cancelled for any reason within days of
Purchase if no repair work has been performed or commenced and the total amount
paid for the contract will be refunded by the Selling Dealer to the lienholder
(if applicable)To cancel, submit to the Selling Dealer listed above a written
request for cancellationThe right to refund is not transferableOnly the
Selling Dealer is responsible to refund the Price paid for this AgreementMore
than days after purchase, the contract may be cancelled only by the
lienholder in the event of repossession or total loss if no repair work has
been performed or commencedAdministrator will retain a $cancellation fee
plus an amount calculated pro rata based on the months or mileage elapsed since
Purchase, whichever is greater
I trust this satisfactorily explains the terms of this
contract
Respectfully,
Preferred Warranties, Inc

Revdex.com:This issue has been resolved by [redacted],  as a consumer I'm still concern with auto warranties that list specific parts being covered in an engine and not on an engine.  Because of the professionalism of [redacted] and a great service consultant Steve S[redacted] at [redacted].  This issue has been resolved.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

We apologize for your confusion but please understand we have not misrepresented the contact in anyway.  The failure to the automobile is a radiator, which resulted in consequential damage to the transmission.  Please refer to the service contract agreement, under the section titled,  This Service Contract Does Not Cover -  #37 For a breakdown of a covered part resulting from the failure of a non-covered part.   In addition #8 - Benefits for any breakdown caused by contamination, overheating, lack of coolant or lubricants, lack of oil viscosity, sludge or restricted oil flow. Examples include but not limited to: engine and transmission. However, In a gesture of goodwill, we would like to offer the customer a full refund all monies paid to PWI for the service contact agreement.  If the customer agrees to a release of terms,  we kindly ask for the request in wring and PWI will expedite a refund immediately. Regards, Colleen J[redacted]Claims ManagerPreferred Warranties Inc.

The warranty was sold to me when I bought the used car as covering everything 100% except tires, brakes normal wear items.
I could not even use this warranty until the [redacted] factory expired for the first 60,000 miles and [redacted] repaired over $5000.00 in repairs.
Why would I cancel a warranty within 30 days, when the car had the remainder of the [redacted] factory warranty.
Whether I receive my money back or not, this company needs investigated because their policies and what the car dealers say it will cover, it does not. When it comes time to needing it to pay a repair, the company denies everything from paying to Diagnosing the issue, as with the [redacted] its over $100 dollars to have them look at car.
I had to turn the car into the bank, because it needed repaired, I knew from before its several hundred dollars to even look at the car at the [redacted] dealership, the warranty wouldn't cover it.
Most factory warranties are not even $2550.00. I paid $2550.00 for a warranty that I never used because either [redacted] warranty paid for the repairs or this extra mile warranty denied.

This is our response to his rejection. Attached is a copy of the inspection report and a copy of [redacted]'s vehicle Service Contract. Please see # 8 under "This service contract does not cover" of you have any questions, please feel free to contact me.Regards,Kimberly K. Executive Legal Assistant

Preferred Warranties Inc. (PWI) is in receipt of [redacted] complaint #[redacted] dated September 22, 2017 regarding a vehicle service contract (the “Service Contract”) that was sold to [redacted], by [redacted] on or about July 10, 2017 in connection with his purchase of a...

2008 [redacted].  Unfortunately, and as will be explained in greater detail in this letter, the vehicle purchased by [redacted] was not eligible for the Service Contract and should not have been offered to [redacted] by [redacted]
 On September 5, 2017, an independent inspector, [redacted], inspected [redacted] vehicle based on a claim he submitted to PWI on or about August 31, 2017.  The inspection report was inconclusive and needed more information from the shop, [redacted] In meantime, one of our team leaders had requested a copy of the title registration for the vehicle. According to the registration, the 2008 [redacted] was sold to [redacted] on June 28, 2017. The Service Contract date shows July 10, 2017.  On page 2 of the Service Contract, it clearly states that the Service Contract must be purchased at the same time as the Covered Vehicle.  Since the vehicle was purchased before the Service Contract, the Service Contract should never have been offered to [redacted] by [redacted]   On September 18, 2017, PWI sent a letter to [redacted] notifying him that the Service Contract was not valid due to the vehicle being purchased prior to the Service Contract date.  On September 22, 2017 PWI sent a full refund back to [redacted].    I hope this has helped to better clarify the current situation.  Based on the foregoing, we respectfully suggest that you direct further inquires regarding the 2008 [redacted], as well as the issues outlined in [redacted] complaint, to [redacted].  Please let us know if we can be of further assistance in those efforts or if you have any additional questions.

Preferred Warranties Inc. (PWI) would like to respond to complaint #[redacted] of [redacted]. The vehicle service contract (VSC) states that more than 30 days after purchase, the contract may be cancelled only by the lienholder in the event of repossession or total loss if no repair work has...

been performed or commenced. The contract names [redacted] as the lienholder for the VSC. Please refer to the refund section of VSC on page five. REFUNDS This Agreement may be cancelled for any reason within 30 days of purchase if no repair work has been performed or commenced and the total amount paid for the contract will be refunded by the Selling Dealer to the lienholder (if applicable). To cancel, submit to the Selling Dealer listed above a written request for cancellation. The right to refund is not transferable. Only the Selling Dealer is responsible to refund the price paid for this Agreement. More than 30 days after purchase, the contract may be cancelled only by the lienholder in the event of repossession or total loss if no repair work has been performed or commenced. Administrator will retain a $35 cancellation fee plus an amount calculated pro rata based on the months or mileage elapsed since purchase, whichever is greater. PWI is more than willing to refund [redacted]’s VSC. Once PWI receives a letter from the lienholder, [redacted], with the total loss information including the date of loss and mileage at time of loss we can process the refund. Attached is a copy of [redacted]’s VSC for review. If [redacted] has any questions, he may call PWI at ###-###-####.

Preferred
Warranties, Inc. (PWI) would like to respond to **. [redacted]’ rejection to our response
on 07/18/14.
 
PWI
recommended a local repair shop to **. [redacted] before he took his vehicle to his
shop, [redacted].  PWI then offered
**. [redacted] to take his vehicle to another shop after the transmission was at
[redacted].  Both times **. [redacted] declined the
shops PWI offered.  
 
PWI is not obligated to provide a new or rebuilt transmission
per contract terms.
.
Please refer
to the contract, under WHAT IS COVERED BY THIS AGREEMENT:
 
When making repairs, the repair center
authorized by PWI will use components of the same type and quality as those
removed, which may include rebuilt,
remanufactured, recycled or nonoriginal manufacturers’ parts at the sole
discretion of PWI.  The labor required to
repair or replace all parts covered under this Agreement will be paid at the
industry accepted flat rate as indicated in a current edition of [redacted] or
[redacted] labor guides, multiplied by the fair market hourly labor rate.
 
On 07/18/14, PWI paid $2300 via credit card to Level 10, where
the transmission is being rebuilt.
 
We apologize for any
misunderstanding **. [redacted] may have regarding coverage however PWI has paid for
what is contractually required.

Preferred Warranties Inc. (PWI) would like to respond to complaint # [redacted] of [redacted].
Our...

Claims department had made several attempts to contact [redacted] since Friday, 3/27. [redacted] contacted us earlier today granting us permission to send a third party inspector to review the condition of **. [redacted]’ vehicle. Upon further review of the inspector’s findings, we will determine the next course of action.